/* =============================================================
   Liam Wood — Loan Officer Website
   Design system + shared styles
   Brand: Aceland Mortgage  |  Red #CC0000 / Black / White
   ============================================================= */

/* ---------- Reset ---------- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; }

/* ---------- Design tokens ---------- */
:root {
  --red: #CC0000;
  --red-dark: #a80000;
  --ink: #141414;
  --charcoal: #2b2b2b;
  --gray-700: #4a4a4a;
  --gray-500: #767676;
  --gray-300: #d9d6d1;
  --gray-100: #f2f0ec;
  --warm: #f7f6f4;
  --white: #ffffff;

  --font-head: "Poppins", "Segoe UI", system-ui, -apple-system, sans-serif;
  --font-body: "Inter", "Segoe UI", system-ui, -apple-system, sans-serif;

  --maxw: 1160px;
  --radius: 14px;
  --radius-lg: 22px;
  --shadow-sm: 0 2px 10px rgba(20,20,20,.06);
  --shadow-md: 0 12px 34px rgba(20,20,20,.10);
  --shadow-lg: 0 26px 60px rgba(20,20,20,.16);
  --ease: cubic-bezier(.4, 0, .2, 1);
}

/* ---------- Base ---------- */
body {
  font-family: var(--font-body);
  color: var(--ink);
  background: var(--white);
  line-height: 1.6;
  font-size: 17px;
  -webkit-font-smoothing: antialiased;
}
h1, h2, h3, h4 { font-family: var(--font-head); line-height: 1.15; font-weight: 600; letter-spacing: -.02em; color: var(--ink); }
h1 { font-size: clamp(2.2rem, 5vw, 3.6rem); }
h2 { font-size: clamp(1.8rem, 3.4vw, 2.6rem); }
h3 { font-size: 1.3rem; }
p  { color: var(--gray-700); }

.container { width: 100%; max-width: var(--maxw); margin: 0 auto; padding: 0 24px; }
.section { padding: 92px 0; }
.section--warm { background: var(--warm); }
.section--ink { background: var(--ink); }
.center { text-align: center; }
.eyebrow {
  font-family: var(--font-head);
  text-transform: uppercase;
  letter-spacing: .16em;
  font-size: .78rem;
  font-weight: 600;
  color: var(--red);
  margin-bottom: 14px;
}
.section-lead { max-width: 640px; margin: 14px auto 0; color: var(--gray-700); }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; gap: 9px;
  font-family: var(--font-head); font-weight: 600; font-size: .98rem;
  padding: 14px 26px; border-radius: 999px; border: 2px solid transparent;
  cursor: pointer; transition: transform .2s var(--ease), box-shadow .2s var(--ease), background .2s var(--ease); white-space: nowrap;
}
.btn:hover { transform: translateY(-2px); }
.btn--primary { background: var(--red); color: #fff; box-shadow: 0 8px 20px rgba(204,0,0,.28); }
.btn--primary:hover { background: var(--red-dark); box-shadow: 0 12px 26px rgba(204,0,0,.36); }
.btn--ghost { background: transparent; color: var(--ink); border-color: var(--gray-300); }
.btn--ghost:hover { border-color: var(--ink); }
.btn--light { background: #fff; color: var(--ink); }
.btn--outline-light { background: transparent; color: #fff; border-color: rgba(255,255,255,.5); }
.btn--outline-light:hover { border-color: #fff; }

/* ---------- Header ---------- */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255,255,255,.88); backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--gray-100);
}
.nav { display: flex; align-items: center; justify-content: space-between; height: 76px; }
.brand { display: flex; align-items: center; gap: 12px; }
.brand__mark {
  width: 42px; height: 42px; border-radius: 10px; flex: none;
  background: #fff url("assets/aceland-spade.png") center / 74% no-repeat;
  border: 1px solid var(--gray-300); box-shadow: var(--shadow-sm);
}
.brand__name { font-family: var(--font-head); font-weight: 700; font-size: 1.15rem; letter-spacing: -.01em; }
.brand__name span { color: var(--red); }
.brand__sub { display: block; font-family: var(--font-body); font-weight: 400; font-size: .72rem; letter-spacing: .04em; color: var(--gray-500); text-transform: uppercase; }

.nav__links { display: flex; align-items: center; gap: 34px; }
.nav__links a { font-family: var(--font-head); font-weight: 500; font-size: .98rem; color: var(--charcoal); position: relative; padding: 4px 0; }
.nav__links a::after { content: ""; position: absolute; left: 0; bottom: -2px; width: 0; height: 2px; background: var(--red); transition: width .25s var(--ease); }
.nav__links a:hover::after, .nav__links a.active::after { width: 100%; }
.nav__links a.active { color: var(--ink); }
.nav__cta { display: flex; align-items: center; gap: 14px; }

.nav__toggle { display: none; background: none; border: 0; cursor: pointer; width: 44px; height: 44px; }
.nav__toggle span { display: block; width: 24px; height: 2px; background: var(--ink); margin: 5px auto; transition: .3s var(--ease); }

/* ---------- Hero ---------- */
.hero { position: relative; overflow: hidden; background: var(--warm); }
.hero__inner { display: grid; grid-template-columns: 1.05fr .95fr; gap: 56px; align-items: center; padding: 84px 0 90px; }
.hero__tag {
  display: inline-flex; align-items: center; gap: 8px; background: #fff; border: 1px solid var(--gray-300);
  padding: 7px 15px; border-radius: 999px; font-size: .82rem; font-weight: 600; font-family: var(--font-head); color: var(--charcoal); margin-bottom: 22px;
}
.hero__tag .dot { width: 8px; height: 8px; border-radius: 50%; background: var(--red); }
.hero h1 { margin-bottom: 20px; }
.hero h1 em { font-style: normal; color: var(--red); }
.hero__lead { font-size: 1.15rem; max-width: 520px; margin-bottom: 30px; }
.hero__actions { display: flex; flex-wrap: wrap; gap: 14px; margin-bottom: 34px; }
.hero__trust { display: flex; flex-wrap: wrap; gap: 26px; }
.hero__trust li { font-size: .92rem; color: var(--gray-700); display: flex; align-items: center; gap: 8px; }
.hero__trust b { color: var(--ink); font-family: var(--font-head); }

/* Hero visual / photo placeholder */
.hero__visual { position: relative; }
.photo-ph {
  border-radius: var(--radius-lg); background:
    linear-gradient(135deg, #ececff 0%, #f6eaea 100%);
  display: grid; place-items: center; text-align: center; color: var(--gray-500);
  border: 1px dashed var(--gray-300); box-shadow: var(--shadow-md); position: relative; overflow: hidden;
}
.photo-ph small { display: block; font-family: var(--font-head); font-weight: 600; letter-spacing: .04em; text-transform: uppercase; font-size: .72rem; opacity: .8; }
.photo-ph .ph-icon { font-size: 2.4rem; margin-bottom: 8px; opacity: .5; }
.hero__portrait { aspect-ratio: 4/5; }
.hero__photo {
  width: 100%; aspect-ratio: 4/5; object-fit: cover; object-position: center 18%;
  border-radius: var(--radius-lg); box-shadow: var(--shadow-md);
}
.hero__badge {
  position: absolute; bottom: -22px; left: -22px; background: #fff; border-radius: var(--radius);
  box-shadow: var(--shadow-lg); padding: 16px 20px; display: flex; align-items: center; gap: 12px;
}
.hero__badge .num { font-family: var(--font-head); font-weight: 700; font-size: 1.6rem; color: var(--red); line-height: 1; }
.hero__badge .lbl { font-size: .82rem; color: var(--gray-700); line-height: 1.25; }

/* ---------- Stat strip ---------- */
.stats { display: grid; grid-template-columns: repeat(4, 1fr); gap: 30px; }
.stat { text-align: center; }
.stat .n { font-family: var(--font-head); font-weight: 700; font-size: clamp(2rem, 4vw, 2.8rem); color: var(--ink); }
.stat .n span { color: var(--red); }
.stat .l { font-size: .92rem; color: var(--gray-500); margin-top: 4px; }

/* ---------- Value / feature cards ---------- */
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 26px; margin-top: 52px; }
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 26px; margin-top: 52px; }
.card {
  background: #fff; border: 1px solid var(--gray-100); border-radius: var(--radius); padding: 32px 28px;
  transition: transform .25s var(--ease), box-shadow .25s var(--ease), border-color .25s var(--ease);
}
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); border-color: transparent; }
.card__icon {
  width: 52px; height: 52px; border-radius: 13px; display: grid; place-items: center; font-size: 1.5rem;
  background: rgba(204,0,0,.08); margin-bottom: 18px;
}
.card h3 { margin-bottom: 10px; }
.card p { font-size: .96rem; }

/* ---------- Path split cards ---------- */
.paths { display: grid; grid-template-columns: 1fr 1fr; gap: 26px; margin-top: 52px; }
.path {
  position: relative; overflow: hidden; border-radius: var(--radius-lg); padding: 46px 40px; min-height: 300px;
  display: flex; flex-direction: column; justify-content: flex-end; color: #fff;
  transition: transform .3s var(--ease), box-shadow .3s var(--ease);
}
.path:hover { transform: translateY(-5px); box-shadow: var(--shadow-lg); }
.path--clients { background: linear-gradient(150deg, #1f1f2e 0%, #3a2b3d 55%, #6a1f24 100%); }
.path--realtors { background: linear-gradient(150deg, #141414 0%, #3a1414 60%, #8f0d0d 100%); }
.path .eyebrow { color: rgba(255,255,255,.75); }
.path h3 { color: #fff; font-size: 1.7rem; margin-bottom: 10px; }
.path p { color: rgba(255,255,255,.82); margin-bottom: 22px; max-width: 420px; }
.path .arrow { font-family: var(--font-head); font-weight: 600; display: inline-flex; align-items: center; gap: 8px; }
.path .arrow .a { transition: transform .25s var(--ease); }
.path:hover .arrow .a { transform: translateX(6px); }

/* ---------- Product overview ---------- */
.products { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin-top: 52px; }
.prod { background: #fff; border: 1px solid var(--gray-100); border-radius: var(--radius); padding: 28px; }
.prod h3 { font-size: 1.15rem; margin-bottom: 14px; display: flex; align-items: center; gap: 10px; }
.prod h3 .p-ic { color: var(--red); }
.prod li { font-size: .95rem; color: var(--gray-700); padding: 6px 0 6px 22px; position: relative; }
.prod li::before { content: "→"; position: absolute; left: 0; color: var(--red); font-weight: 700; }

/* ---------- Testimonial carousel ---------- */
.carousel { position: relative; max-width: 860px; margin: 52px auto 0; }
.carousel__viewport { overflow: hidden; border-radius: var(--radius-lg); }
.carousel__track { display: flex; transition: transform .5s var(--ease); }
.slide { min-width: 100%; padding: 8px; }
.quote-card {
  background: #fff; border: 1px solid var(--gray-100); border-radius: var(--radius-lg);
  padding: 48px 52px; box-shadow: var(--shadow-md); text-align: center;
}
.section--ink .quote-card { background: #1f1f1f; border-color: #333; }
.section--ink .quote-card .quote { color: #f2f0ec; }
.section--ink h2, .section--ink .section-lead { color: #fff; }
.section--ink .section-lead { color: rgba(255,255,255,.75); }
.quote-card .stars { color: #f5a623; letter-spacing: 3px; font-size: 1.1rem; margin-bottom: 20px; }
.quote-card .quote { font-family: var(--font-head); font-weight: 500; font-size: 1.32rem; line-height: 1.5; color: var(--ink); margin-bottom: 26px; letter-spacing: -.01em; }
.quote-card .who { display: flex; align-items: center; justify-content: center; gap: 14px; }
.quote-card .avatar { width: 52px; height: 52px; border-radius: 50%; background: linear-gradient(135deg, var(--red), #7a1f2b); color: #fff; display: grid; place-items: center; font-family: var(--font-head); font-weight: 600; font-size: 1.1rem; }
.quote-card .name { font-family: var(--font-head); font-weight: 600; color: var(--ink); text-align: left; }
.section--ink .quote-card .name { color: #fff; }
.quote-card .role { font-size: .86rem; color: var(--gray-500); text-align: left; }

.carousel__btn {
  position: absolute; top: 50%; transform: translateY(-50%); width: 48px; height: 48px; border-radius: 50%;
  background: #fff; border: 1px solid var(--gray-300); cursor: pointer; display: grid; place-items: center;
  font-size: 1.2rem; color: var(--ink); box-shadow: var(--shadow-sm); transition: .2s var(--ease); z-index: 2;
}
.carousel__btn:hover { background: var(--red); color: #fff; border-color: var(--red); }
.carousel__btn--prev { left: -22px; }
.carousel__btn--next { right: -22px; }
.carousel__dots { display: flex; justify-content: center; gap: 10px; margin-top: 28px; }
.carousel__dots button { width: 10px; height: 10px; border-radius: 50%; border: 0; background: var(--gray-300); cursor: pointer; transition: .2s var(--ease); padding: 0; }
.carousel__dots button.active { background: var(--red); width: 26px; border-radius: 999px; }

/* ---------- Process steps ---------- */
.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; margin-top: 52px; counter-reset: step; }
.step { position: relative; padding-top: 8px; }
.step .num { font-family: var(--font-head); font-weight: 700; font-size: 2.4rem; color: var(--gray-300); line-height: 1; margin-bottom: 12px; }
.step h3 { font-size: 1.1rem; margin-bottom: 8px; }
.step p { font-size: .93rem; }

/* ---------- FAQ ---------- */
.faq { max-width: 780px; margin: 46px auto 0; }
.faq__item { border-bottom: 1px solid var(--gray-100); }
.faq__q { width: 100%; text-align: left; background: none; border: 0; cursor: pointer; padding: 22px 40px 22px 0; font-family: var(--font-head); font-weight: 500; font-size: 1.08rem; color: var(--ink); position: relative; }
.faq__q::after { content: "+"; position: absolute; right: 4px; top: 50%; transform: translateY(-50%); font-size: 1.5rem; color: var(--red); transition: transform .25s var(--ease); }
.faq__item.open .faq__q::after { transform: translateY(-50%) rotate(45deg); }
.faq__a { max-height: 0; overflow: hidden; transition: max-height .3s var(--ease); }
.faq__a p { padding: 0 0 22px; font-size: .98rem; }

/* ---------- CTA band ---------- */
.cta-band { background: var(--ink); color: #fff; border-radius: var(--radius-lg); padding: 60px; text-align: center; position: relative; overflow: hidden; }
.cta-band::before { content: ""; position: absolute; inset: 0; background: radial-gradient(circle at 80% 20%, rgba(204,0,0,.35), transparent 55%); }
.cta-band > * { position: relative; }
.cta-band h2 { color: #fff; margin-bottom: 14px; }
.cta-band p { color: rgba(255,255,255,.8); max-width: 560px; margin: 0 auto 28px; }
.cta-band .btns { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; }

/* ---------- Split feature (image + text) ---------- */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }
.split--reverse .split__media { order: 2; }
.split__media .photo-ph { aspect-ratio: 5/4; }

/* ---------- Branded media panel (stand-in for lifestyle photos) ---------- */
.media-brand {
  aspect-ratio: 5/4; border-radius: var(--radius-lg); position: relative; overflow: hidden;
  background: linear-gradient(150deg, #1c1c1c 0%, #3a1414 62%, var(--red-dark) 128%);
  box-shadow: var(--shadow-md); display: grid; place-items: center; text-align: center; padding: 44px;
}
.media-brand::before {
  content: ""; position: absolute; width: 360px; height: 360px; right: -100px; bottom: -100px;
  background: url("assets/aceland-spade.png") center / contain no-repeat; opacity: .07; filter: invert(1);
}
.media-brand__inner { position: relative; z-index: 1; max-width: 380px; }
.media-brand .spade {
  width: 62px; height: 62px; margin: 0 auto 20px; border-radius: 15px;
  background: #fff url("assets/aceland-spade.png") center / 70% no-repeat;
}
.media-brand .kicker { text-transform: uppercase; letter-spacing: .16em; font-size: .72rem; color: rgba(255,255,255,.6); margin-bottom: 12px; font-weight: 600; font-family: var(--font-head); }
.media-brand p { color: rgba(255,255,255,.92); font-family: var(--font-head); font-weight: 500; font-size: 1.2rem; line-height: 1.5; letter-spacing: -.01em; }
.split h2 { margin-bottom: 18px; }
.split__body p { margin-bottom: 15px; }
.split__body p a { color: var(--red); font-weight: 500; text-decoration: underline; text-underline-offset: 2px; text-decoration-thickness: 1px; }
.split__body p a:hover { color: var(--red-dark); }
.check-list { margin-top: 22px; }
.check-list li { padding: 9px 0 9px 34px; position: relative; color: var(--gray-700); }
.check-list li::before { content: "✓"; position: absolute; left: 0; top: 9px; width: 22px; height: 22px; background: rgba(204,0,0,.1); color: var(--red); border-radius: 50%; display: grid; place-items: center; font-size: .8rem; font-weight: 700; }

/* ---------- Footer ---------- */
.site-footer { background: var(--ink); color: rgba(255,255,255,.7); padding: 68px 0 30px; font-size: .92rem; }
.footer-grid { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1.2fr; gap: 40px; padding-bottom: 44px; border-bottom: 1px solid rgba(255,255,255,.12); }
.site-footer h4 { color: #fff; font-size: .82rem; text-transform: uppercase; letter-spacing: .12em; margin-bottom: 18px; font-weight: 600; }
.site-footer a { color: rgba(255,255,255,.7); transition: color .2s; }
.site-footer a:hover { color: #fff; }
.site-footer li { padding: 6px 0; }
.footer-brand .brand__name { color: #fff; }
.footer-brand p { color: rgba(255,255,255,.6); margin-top: 16px; max-width: 300px; font-size: .9rem; }
.footer-logo { display: inline-flex; flex-direction: column; gap: 6px; background: #fff; border-radius: 10px; padding: 14px 18px 12px; margin-top: 20px; }
.footer-logo img { width: 178px; height: auto; display: block; }
.footer-logo .broker-note { font-size: .64rem; letter-spacing: .1em; text-transform: uppercase; color: var(--gray-500); text-align: center; font-family: var(--font-head); font-weight: 600; }
.footer-social { display: flex; gap: 12px; margin-top: 20px; }
.footer-social a { width: 38px; height: 38px; border-radius: 9px; background: rgba(255,255,255,.08); display: grid; place-items: center; font-size: 1rem; }
.footer-social a:hover { background: var(--red); }
.footer-legal { padding-top: 26px; display: flex; justify-content: space-between; gap: 20px; flex-wrap: wrap; align-items: center; }
.footer-legal p { color: rgba(255,255,255,.5); font-size: .82rem; max-width: 720px; }
.ehl { display: inline-flex; align-items: center; gap: 8px; color: rgba(255,255,255,.6); font-size: .78rem; }
.ehl__mark { width: 26px; height: 26px; border: 1.5px solid rgba(255,255,255,.5); border-radius: 4px; display: grid; place-items: center; font-size: .8rem; }

/* ---------- Reveal on scroll ---------- */
.reveal { opacity: 0; transform: translateY(24px); transition: opacity .6s var(--ease), transform .6s var(--ease); }
.reveal.in { opacity: 1; transform: none; }

/* ---------- Responsive ---------- */
@media (max-width: 940px) {
  .hero__inner { grid-template-columns: 1fr; gap: 40px; }
  .hero__visual { max-width: 440px; }
  .grid-3, .products, .steps { grid-template-columns: 1fr 1fr; }
  .stats { grid-template-columns: 1fr 1fr; gap: 30px 20px; }
  .split, .grid-2, .paths { grid-template-columns: 1fr; gap: 34px; }
  .split--reverse .split__media { order: 0; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
}
@media (max-width: 640px) {
  .section { padding: 66px 0; }
  .nav__links, .nav__cta .btn { display: none; }
  .nav__toggle { display: block; }
  .nav.open .nav__links { display: flex; position: absolute; top: 76px; left: 0; right: 0; flex-direction: column; background: #fff; padding: 20px 24px; gap: 8px; border-bottom: 1px solid var(--gray-100); box-shadow: var(--shadow-md); }
  .nav.open .nav__links a { padding: 12px 0; width: 100%; border-bottom: 1px solid var(--gray-100); }
  .grid-3, .products, .steps { grid-template-columns: 1fr; }
  .quote-card { padding: 34px 24px; }
  .carousel__btn--prev { left: 4px; }
  .carousel__btn--next { right: 4px; }
  .cta-band { padding: 42px 24px; }
  .footer-grid { grid-template-columns: 1fr; }
}